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Chiltern support Children In Need Appeal
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Chiltern Consultancy recently took part in the Children In Need Appeal at the prestigious Oxfordshire Golf ClubOver £7k was raised on the day, a fantastic effort by everyone

As expected with Brexit looming, Philip Hammond delivered a fairly non-descript Budget with only one or two small surprises. The highlights of most relevance to those in the financial planning industry are detailed below.

Stamp Duty Land Tax

Stamp duty has been abolished on homes under £300,000 for first-time buyers and they will not pay stamp duty on the first £300,000 for homes worth between £300,000 and £500,000. They will pay the normal rates of stamp duty on the price above that. This will save £1,660‎ on the average first-time buyer property. This change is effective from 22nd November 2017.

The Office for Budget Responsibility has said that the stamp duty cut will push house prices up. It says it expects this policy to increase prices by 0.3% with most of this effect occurring in 2018.

SDLT – The government will amend SDLT higher rates for additional properties with immediate effect. The changes will benefit those increasing their share of their own home, families affected by a divorce court order, and cases where properties are held in trust for children subject to Court of Protection orders. The government will also remove a potential opportunity for avoidance.

Individual Savings Account (ISA) annual subscription limits – The ISA annual subscription limit for 2018/19 will remain unchanged at £20,000. The annual subscription limit for Junior ISAs and Child Trust Funds for 2018/19 will be uprated in line with CPI to £4,260.

Save As You Earn scheme – Employees on maternity and parental leave will be able to take up to a 12 month pause from saving into their Save As You Earn employee share scheme, increased from 6 months currently. The change will take effect from 6 April 2018.

Life assurance and overseas pension schemes – From April 2019, tax relief for employer premiums paid into life assurance products or certain overseas pension schemes will be modernised to cover policies when an employee nominates an individual or registered charity to be their beneficiary.

The Budget announces an action plan to unlock over £20 billion of patient capital investment to finance growth in innovative firms over 10 years by:

establishing a new £2.5 billion Investment Fund incubated in the British Business Bank with the intention to float or sell once it has established a track record. By co-investing with the private sector, a total of £7.5 billion of investment will be unlocked

doubling the annual allowance for people investing in knowledge-intensive companies through the Enterprise Investment Scheme (EIS) and the annual investment those companies can receive through EIS and the Venture Capital Trust scheme, and introducing a new test to reduce the scope for and redirect low-risk investment, together unlocking over £7 billion of growth investment

investing in a series of private sector fund of funds of scale. The British Business Bank will seed the first wave of investment with up to £500 million, unlocking double its investment in private capital. Up to three waves will be launched, supporting a total of up to £4 billion investment

backing new and emerging fund managers through the British Business Bank’s established Enterprise Capital Fund programme, unlocking at least £1.5 billion of new investment

backing overseas investment in UK venture capital through the Department for International Trade, expected to unlock £1 billion of investment

The government will also support long-term investment by:

giving pension funds confidence that they can invest in assets supporting innovative firms as part of a diverse portfolio. The Pensions Regulator will clarify guidance on investments with long-term investment horizons. With over £2 trillion in UK pension funds, small changes in investment have the potential to transform the supply of capital to innovative firms changing the qualifying rules in Entrepreneurs’ Relief to remove the disincentive to accept external investment and consulting on the detailed implementation of that change

launching a National Security Strategic Investment Fund to invest in advanced technologies to contribute to the national security mission. The British Business Bank will also support developing clusters of business angels outside London through a new commercial investment programme

For more information or to speak to one of our expert professional advisers please call 01494 451441

]]>Wed, 29 Nov 2017 15:40:00 UTCMoney Matters December
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Welcome to the final issue for 2017, featuring news, opinion, insights and analysis to help you navigate the complexities of today’s financial world. Inside this issue, we talk about estate planning, which is an extremely emotional subject as people generally don’t like talking about money or death. On page 10, we comment on new research that shows some people would like to talk about this subject but haven’t found the right time or just don’t know where to start. This is worrying considering Inheritance Tax receipts increased by 22.9% in the first quarter of this tax year, according to data from the Office for National Statistics.

Download a copy of this informative guide at http://chilternconsultancyltd.com/online-services/newsletters/

]]>Tue, 05 Dec 2017 09:17:00 UTCGuide to Creating Wealth for Children
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Nurturing the future – investments to provide a flying start in life Whether you’re a relative, parent, grandparent or a friend, investing for a child’s future is one of the most important things you can do. For any investor, time is a powerful ally – so where you are investing on behalf of children, you start with a great advantage.

]]>Tue, 05 Dec 2017 09:25:00 UTCChiltern now on Twitter
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Chiltern now have a presence on Twitter, you can follow us @ChilternIFAs for all the latest news, views and comments from our team of expert advisers

Check out our latest tweet on Auto Enrolment

]]>Thu, 07 Dec 2017 09:23:00 UTCSnow joke on a Monday
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15+cm of snow met Chiltern employees able to make it into the Offices in Stokenchurch on Monday morning. No external coffee breaks today then!! ]]>Mon, 11 Dec 2017 10:06:00 UTCLive on AdviserBook
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Fri, 15 Dec 2017 13:46:00 UTCMoney Matters Jan/Feb
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Welcome to our first edition of 2018. The New Year is the perfect time to overhaul your life for the better, and one excellent place to start is by making solid financial resolutions that can help get you closer to your money goals, whether it’s increasing your retirement provision, looking to mitigate a potential Inheritance Tax bill or reviewing your level of protection in the event of an unexpected event.

]]>Wed, 10 Jan 2018 10:20:00 UTCGuide to Pensions & Divorce
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Chiltern Guide to Pensions and Divorce Breaking up is hard to do! Divorce and pensions are very significant. A pension could be a couple’s most valuable matrimonial asset, in some cases worth more than the equity in the family home. As such, it is important that pensions are considered in the financial settlement if a couple decides to divorce or dissolve their registered civil partnership. All the money you’ve saved into it (except for your basic State Pension) will be taken into account when your assets are divided. Download our latest guide at www.chilternconsultancyltd.com For expert, advice call us on 01494 451441 or email enquiries@chilternconsultancyltd.com

]]>Thu, 11 Jan 2018 14:17:00 UTCGuide to Estate Preservation
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Wealth transfer has become an important issue for many families today. Individuals with assets of any size should prepare for their eventual transfer whilst making provision for any tax or legal consequences.

]]>Thu, 18 Jan 2018 17:23:00 UTCJob Opportunities at Chiltern
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We have a vacancy for the following

Receptionist

We are currently looking for a full time receptionist to work in our new offices approx 35 hours per week

Located within a modern office in a great location conveniently close to J5 of the M40 in Stokenchurch.

Part of a busy working environment but ability to work on own initiative. The business has an excellent reputation and is looking for a motivated individual to join the team and assist with the further growth of the company.

Duties include meet & greet of clients, visitors and suppliers, answering and managing switchboard, managing stationery supplies, data input and mailing out of Company literature.

Good knowledge of MS Word, Excel, Outlook, Powerpoint preferred.

CLOSING DATE FOR APPLICATIONS IS TUESDAY 30 JANUARY 2018

To find out more:

For further information and a confidential discussion about this position, please contact:

]]>Wed, 24 Jan 2018 12:04:00 UTCLocal support for Local Sport
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Chiltern Consultancy continue their support for 2018 with Ballinger Waggoners Cricket Club, High Wycombe Rugby Club and Aylesbury Hockey Club.